Summary
JAN PANIS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €9.61M and a net result of €-20k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 95% of 5527 sector peers (fiscal year 2025). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
6 d early
2023
14 d late
2022
24 d early
2021
19 d early
2020
29 d early
2019
24 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€9.61M▼ 2.2%
2024 · €9.83M
2018: €9.36M
2019: €9.60M
2020: €9.84M
2021: €10.30M
2022: €9.91M
2023: €9.83M
2024: €9.83M
2018 → 2025
Net result
€-20k▼ 148%
2024 · €-8k
2018: €222k
2019: €232k
2020: €249k
2021: €451k
2022: €341k
2023: €2k
2024: €-8k
2018 → 2025
Total assets
€9.62M▼ 2.2%
2024 · €9.83M
2018: €9.94M
2019: €9.65M
2020: €9.90M
2021: €11.55M
2022: €9.91M
2023: €9.92M
2024: €9.83M
2018 → 2025
Solvency
99.9%▼ 0.1pp
2024 · 99.9%
2018: 94.2%
2019: 99.5%
2020: 99.5%
2021: 89.2%
2022: 99.9%
2023: 99.1%
2024: 99.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10.30M-€9.91M▼ 3.8%€9.83M▼ 0.7%€9.83M▼ 0.1%€9.61M▼ 2.2%
Operating result€1k-€-33k€-7k▲ 80.0%€-17k▼ 159%€-27k▼ 56.6%
Net result€451k-€341k▼ 24.5%€2k▼ 99.4%€-8k€-20k▼ 148%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €27k in 2025 against €17k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €9.62M
Fixed assets
€8.75M ▼ 0.2%
Current assets
€872k ▼ 18.4%
Equity and liabilities €9.62M
Equity
€9.61M ▼ 2.2%
Debt
€13k ▲ 86.1%
Debt's share of the balance-sheet total rises from 0.1% to 0.1%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-0.2%▼
2024 · -0.1%
ROA
-0.2%▼
2024 · -0.1%
Debt ≤ 1 year
€13k▲
2024 · €4k
Income taxes
€-1k▼
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€9.83M€9.62M▼
Fixed assets21/28€8.76M€8.75M▼
Tangible fixed assets22/27€81k€64k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€76k€60k▼
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€8.68M€8.68M=
Current assets29/58€1.07M€872k▼
Amounts receivable after more than one year29€415k€5k▼
Other amounts receivable291€415k€5k▼
Stocks and contracts in progress3€12k€0▼
Stocks30/36€12k€0▼
Amounts receivable within one year40/41€35k€65k▲
Trade receivables40€22k€15k▼
Other amounts receivable41€14k€50k▲
Cash at bank and in hand54/58€604k€802k▲
Deferred charges and accrued income490/1€4k€429▼
Equity and liabilities
Total equity and liabilities10/49€9.83M€9.62M▼
Equity10/15€9.83M€9.61M▼
Contributions10/11€6.95M€6.95M=
Reserves13€2.79M€2.59M▼
Non-distributable reserves130/1€164k€164k=
Reserves not available under the articles1311€164k€164k=
Distributable reserves133€2.63M€2.43M▼
Profit (loss) carried forward14€88k€68k▼
Amounts payable17/49€7k€13k▲
Amounts payable within one year42/48€4k€13k▲
Trade debts44€2k€8k▲
Suppliers440/4€2k€8k▲
Taxes, remuneration and social security45€2k€0▼
Taxes450/3€2k€0▼
Other amounts payable47/48€0€5k▲
Accrued charges and deferred income492/3€3k€0▼
Income statement
Code20242025
Non-recurring operating income76A-€100
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€20k▲
Other operating charges640/8€1k€860▼
Non-recurring operating charges66A-€35
Gross operating margin9900€2k€-5k▼
Operating profit (loss)9901€-17k€-27k▼
Financial income75/76B€11k€6k▼
Recurring financial income75€11k€6k▼
Financial charges65/66B€188€116▼
Recurring financial charges65€188€116▼
Profit (loss) for the period before taxes9903€-6k€-21k▼
Income taxes67/77€2k€-1k▼
Profit (loss) for the period9904€-8k€-20k▼
Profit (loss) for the period to be appropriated9905€-8k€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€88k€68k▼
Profit (loss) brought forward from the previous period14P€96k€88k▼
Transfer from equity791/2€0€200k▲
Profit to be distributed694/7€0€200k▲
Return on contributions (dividend)694€0€200k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity times 19current ratio 274.73
Current ratio from 14.32 to 274.73; short-term debt falls from €86k to €4k.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 14 days late
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €451k ▲81.4%
Net result €451k, the highest in the series.
31-12
Financial
Liquidity times 6current ratio 327.39
Current ratio from 56.36 to 327.39; short-term debt falls from €52k to €9k.
31-12
Financial
Equity above €10MEq €10.30M ▲4.6%
4 profitable years in a row build equity to €10.30M.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
31-12
Financial
Liquidity times 10current ratio 53.39
Current ratio from 5.13 to 53.39; short-term debt falls from €578k to €50k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Genk · 1 establishment unit since 2000
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Lessenberg 13600 GenkGround area
3,883 m²
Building footprint
435 m²
Volume, LiDAR
2,358 m³
Parcel 71304E0049/00Z000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PANIS JAN
since 20002.101.091.957
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71304E0049/00Z000 | Flanders | 3,883 m² | 1 · 435 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 6,150 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-02-2000
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
47789Other retail sale of new goods
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.